For each bank, information technology is quite important especially for the bank rite!, Its existence can not be negotiable, considering the extensive operational network. In addition, retail banks in general have a networking outlets, spread from town to villages in our country. Without the help of information technology, banks will encounter many obstacles, such as speed becomes slow and did not report accurate and service and information will be less rapid. Moreover, retail banks are known to have the amount of labor that much that needs to be assisted by a reliable technology modernization. For that, the necessary electronic equipment in the form of hardware (hardware) and software (software) with the assistance of consultants experienced in both national and international level. The problem, to be able to apply information technology system that required substantial funds.
To modernize the technology in integrated systems on line in the real time is. Bank directors are faced with the challenge (challenging), with some consideration for the sake of promoting bank services and bank image name and the level of bank competition is getting tighter, it is necessary budget (budget) substantial funds. Consumer banking products is required in order to develop opportunities for banks, for example, developing alliances with other banks, such as ATM sharing, adding to outlets in the form of ATM, ATM, payment points, phone banking, mobile banking, RTGS (Real Time Gross Settlement).
The sophistication of computerized equipment that will not be able dijalankanidioperasikan without the use of employees / staff who have been trained through special training and have attended seminars both domestically and abroad. Equipment is manufactured equipment from abroad (eg USA, Japan, Germany, and Korea) and every time sophistication always or frequently change because new products are more sophisticated with good quality and efficient.
For bank services using advanced technology taken into account by a competitor, it takes a special fund to hire transfonder (satellite) separately, as done by the Bank BCA. In the development of retail banks are required to improve the function of intermediation with credit channel kecii. However, because of the tendency of the SBI interest rate declines, a result banks are also expected to lower interest rate loans. If this happens, the bank's revenue would be reduced. Though over-head for retail bank with many employees Alcan increase in employee costs.
Olch, therefore, bank leaders should try to find innovation, for example by seeking breakthroughs like doing a side business income in the form of fee-based income. Efforts ml among others, by way of introducing new products of high-tech, such as Credit Card, Debit Card, ATM sharing with other banks to charge fees, Phone Banking Payment Point, and so forth. In addition, the bank also increased the service transfers (remittances), either domestically or overseas with the administration charge. Pelryanan banking business in the field of exports and imports also merupalcan fee-based in, Ome which must be dug and ditinglcatkan.
Banks can use their skills in information technology appropriately and to satisfy its customers with a fast full-time ministry, for example, is BCA. The way business is payment system (facilities, payment of financial transactions). Thus, it can be imagined if it can be performed by other banks, such income would be very helpful kincrja bank. Thus, the bank is expected to be a healthy bank / successful.
Technological advances make it even easier modern society in conducting banking transactions. Among them through phone banking (fixed and mobile), ATM, debit cards and Internet banking.
Automatic Teller Machine (ATM), debit cards,internet banking, mobile banking a lot to change the face of the banking sector. Early on, people are reluctant to use what is called electronic banking.
Now is not his time anymore bank customers queue in front of the cashier. Almost all banking transactions can now be done without face to face to face. Only with the help of electronic devices are all resolved. There is an ATM, debit card, telephone, Internet handphonehingga.
Let's just say, customers can easily perform banking transactions only from the bed. Early in the morning woke up, sat on the edge of the mattress; kucek-kucek eyes, ambit mobile phone, push it push here, a flash right away millions of dollars already slid from satay account to another account. Then, send a short message or a call to a designated partner "I've transferred the money". Done!
Transfer money via mobile phones or which is now commonly known as mobile banking is very flexible, does not depend on the time and place. Can be done while flying anywhere and operate 24 hours a day, seven days a week. Money sent and received immediately.
The rapid development of so-called electronic banking (e-banking, electronic banking) starting from the ATM machine was introduced in the mid-1980s. Bank Niaga is the first to use the ATM. Followed BCA also developed a network of this magical machine. Then also other banks.
Initially the layman to use the ATM in doubt. Safe or not ya? Could come out with the number exactly as requested or not? Bcrkurangkah money in the account without being asked? Many parties have not looked at the reliability of this machine. There's even a sneer.
ATMs that do not require a short time to receive the community. "New customers accustomed to using an ATM about 10 years later," said Ina Kelvin. Deputy Head of Consumer Banking Division of the BCA. That's when the ATM growing rapidly. Automatic teller machine is easily to be found everywhere. The network expanded. Customers increasingly familiar with the ATM. "It takes ongoing education customers," said Ina.
ATM was first developed because of the emergence of alternative purposes other than transactions in bank branches. "It was felt there is a need for service banking transactions that are not only at the branch," said Yuli Rahmaasih, Electronic Delivery and Customer Educating Networking Division Head, Bank Niaga.
Features ATM services are increasingly diverse and complete, not only take cash only. Transfers between accounts within the same bank can be done through ATMs. Later can bank transfer. Commerce Bank and other banks to develop the ATM Bersama network that reaches Artajasa's 7500 ATMs across Indonesia. Customers of each bank that joins gets to tank easiness cash, balance, and bank transfer ATM Bersama member on-line real time
To modernize the technology in integrated systems on line in the real time is. Bank directors are faced with the challenge (challenging), with some consideration for the sake of promoting bank services and bank image name and the level of bank competition is getting tighter, it is necessary budget (budget) substantial funds. Consumer banking products is required in order to develop opportunities for banks, for example, developing alliances with other banks, such as ATM sharing, adding to outlets in the form of ATM, ATM, payment points, phone banking, mobile banking, RTGS (Real Time Gross Settlement).
The sophistication of computerized equipment that will not be able dijalankanidioperasikan without the use of employees / staff who have been trained through special training and have attended seminars both domestically and abroad. Equipment is manufactured equipment from abroad (eg USA, Japan, Germany, and Korea) and every time sophistication always or frequently change because new products are more sophisticated with good quality and efficient.
For bank services using advanced technology taken into account by a competitor, it takes a special fund to hire transfonder (satellite) separately, as done by the Bank BCA. In the development of retail banks are required to improve the function of intermediation with credit channel kecii. However, because of the tendency of the SBI interest rate declines, a result banks are also expected to lower interest rate loans. If this happens, the bank's revenue would be reduced. Though over-head for retail bank with many employees Alcan increase in employee costs.
Olch, therefore, bank leaders should try to find innovation, for example by seeking breakthroughs like doing a side business income in the form of fee-based income. Efforts ml among others, by way of introducing new products of high-tech, such as Credit Card, Debit Card, ATM sharing with other banks to charge fees, Phone Banking Payment Point, and so forth. In addition, the bank also increased the service transfers (remittances), either domestically or overseas with the administration charge. Pelryanan banking business in the field of exports and imports also merupalcan fee-based in, Ome which must be dug and ditinglcatkan.
Banks can use their skills in information technology appropriately and to satisfy its customers with a fast full-time ministry, for example, is BCA. The way business is payment system (facilities, payment of financial transactions). Thus, it can be imagined if it can be performed by other banks, such income would be very helpful kincrja bank. Thus, the bank is expected to be a healthy bank / successful.
Technological advances make it even easier modern society in conducting banking transactions. Among them through phone banking (fixed and mobile), ATM, debit cards and Internet banking.
Automatic Teller Machine (ATM), debit cards,internet banking, mobile banking a lot to change the face of the banking sector. Early on, people are reluctant to use what is called electronic banking.
Now is not his time anymore bank customers queue in front of the cashier. Almost all banking transactions can now be done without face to face to face. Only with the help of electronic devices are all resolved. There is an ATM, debit card, telephone, Internet handphonehingga.
Let's just say, customers can easily perform banking transactions only from the bed. Early in the morning woke up, sat on the edge of the mattress; kucek-kucek eyes, ambit mobile phone, push it push here, a flash right away millions of dollars already slid from satay account to another account. Then, send a short message or a call to a designated partner "I've transferred the money". Done!
Transfer money via mobile phones or which is now commonly known as mobile banking is very flexible, does not depend on the time and place. Can be done while flying anywhere and operate 24 hours a day, seven days a week. Money sent and received immediately.
The rapid development of so-called electronic banking (e-banking, electronic banking) starting from the ATM machine was introduced in the mid-1980s. Bank Niaga is the first to use the ATM. Followed BCA also developed a network of this magical machine. Then also other banks.
Initially the layman to use the ATM in doubt. Safe or not ya? Could come out with the number exactly as requested or not? Bcrkurangkah money in the account without being asked? Many parties have not looked at the reliability of this machine. There's even a sneer.
ATMs that do not require a short time to receive the community. "New customers accustomed to using an ATM about 10 years later," said Ina Kelvin. Deputy Head of Consumer Banking Division of the BCA. That's when the ATM growing rapidly. Automatic teller machine is easily to be found everywhere. The network expanded. Customers increasingly familiar with the ATM. "It takes ongoing education customers," said Ina.
ATM was first developed because of the emergence of alternative purposes other than transactions in bank branches. "It was felt there is a need for service banking transactions that are not only at the branch," said Yuli Rahmaasih, Electronic Delivery and Customer Educating Networking Division Head, Bank Niaga.
Features ATM services are increasingly diverse and complete, not only take cash only. Transfers between accounts within the same bank can be done through ATMs. Later can bank transfer. Commerce Bank and other banks to develop the ATM Bersama network that reaches Artajasa's 7500 ATMs across Indonesia. Customers of each bank that joins gets to tank easiness cash, balance, and bank transfer ATM Bersama member on-line real time
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